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Oregon Car Insurance for High Risk Drivers (With Quotes)
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| Reviewed by licensed insurance agent, Amber Benka
Last Updated March 9, 2022
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Cheapest Insurance Companies for High Risk Drivers in Oregon (2022)
For drivers that are high-risk in Oregon, it's important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Comparing the right insurance companies after this incident will allow you to get the best possible insurance rate for drivers that are high-risk.
To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Oregon. The following are the best insurance rates from carriers that offer car insurance for high-risk drivers in Oregon.
| Carrier | Avg. Monthly Cost |
|---|---|
| Mile Auto | $120 |
| Travelers | $141 |
| Kemper | $159 |
| Nationwide | $178 |
| Liberty Mutual | $208 |
| Bristol West | $231 |
| Midvale Home & Auto | $235 |
| American Family Insurance | $243 |
| Safeco Insurance | $245 |
| Dairyland Insurance | $269 |
What Makes a Driver High-Risk in Oregon?
Anyone who has spent time behind the wheel knows that driving involves a wide range of factors. Not only do you have to think about your own safety and the safety of others, but there are numerous laws to follow to ensure you avoid an accident.
By not adhering to Oregon's driving laws, you may be considered a high-risk driver. Whether you are found speeding, driving recklessly, or operating a vehicle with a suspended license, you run the risk of being classified as a high-risk driver. You'll still have plenty of car insurance options in Oregon if that's the case, but you should expect your rates to be higher than usual.
Oregon Car Insurance Rates for High-Risk Drivers
No Violation$178
Reckless Driving$201
Failure to Stop$233
Speeding Ticket$235
At-Fault Accident$237
Insurify's comparison tool will help you make sure you're getting the best possible quote even after high risk driving violation. You can have peace of mind you're not paying any more than need to, and customers save $48 per month on average.
How Much Does High-Risk Driving Affect Car Insurance Rates in Oregon?
You might think that one simple speeding ticket isn't a big deal, but a wide range of poor driving behaviors could place you in the high-risk category. Failing to stop at a stop sign or reckless driving can play a huge role in your car insurance premiums.
Even if you do find that you're now considered a high-risk driver, you won't have to worry about finding car insurance. There are still affordable options on the market, but it's best to do some research. The next time you hit the road, consider just how much of an effect these driving infractions will have on your car insurance rates:
| Driving History | Avg. Monthly Cost |
|---|---|
| No Violation | $178 |
| Speeding Ticket | $235 |
| At-Fault Accident | $237 |
| Reckless Driving | $201 |
| Failure to Stop | $233 |
How Much Does a Speeding Ticket Impact Car Insurance Rates in Oregon?
Most people will tell you that it doesn't pay to speed, as you may only save a mere minute or two when you're running late. What you won't save on, however, is your car insurance rate in Oregon. Here are the common rates you can expect, as a speeding ticket may cost you up to $57 more per month on your premium:
No Violation - Avg. Monthly Rate$178
Speeding ticket - Avg. Monthly Rate$235
$57 ▴
Avg. Monthly Rate Increase
How Does an at-Fault Accident Impact Insurance Rates in Oregon?
An at-fault accident can be serious, but thankfully, it won't affect your eligibility for car insurance in Oregon. Most drivers find that their rates do increase by about $59 or so, proving that it's important to stay attentive on the road. Oregon drivers found at fault for an accident can expect their rates look similar to these:
No Violation - Avg. Monthly Rate$178
Speeding ticket - Avg. Monthly Rate$237
$59 ▴
Avg. Monthly Rate Increase
How Much Does Failure to Stop for a Red Light or Stop Sign Impact Car Insurance Rates in Oregon?
Sometimes, it might seem that a stop sign or red light comes out of nowhere, but driving straight through can be a costly mistake. Should you get caught for this type of violation, you can expect your car insurances rates to increase $55, with average Oregon prices looking like this:
No Violation - Avg. Monthly Rate$178
Speeding ticket - Avg. Monthly Rate$233
$55 ▴
Avg. Monthly Rate Increase
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Does Driving With a Suspended License Impact Car Insurance Rates in Oregon?
Anyone who has spent time behind the wheel knows that driving involves a wide range of factors. Not only do you have to think about your own safety and the safety of others, but there are numerous laws to follow to ensure you avoid an accident.
By not adhering to Oregon's driving laws, you may be considered a high-risk driver. Whether you are found speeding, driving recklessly, or operating a vehicle with a suspended license, you run the risk of being classified as a high-risk driver. You'll still have plenty of car insurance options in Oregon if that's the case, but you should expect your rates to be higher than usual.
Tips for Researching High-Risk Oregon Car Insurance Rates
Insurance prices and policies can vary significantly between companies, and a large and growing state like Oregon draws a wide variety of choices when factoring high-risk driving insurance rates.
Insurify''s rate comparison tool will help you make sure you''re getting the best possible quote based on your needs and location. You can have peace of mind you''re not paying any more than you need to, and customers save $585 per year on average.
Compare Top Auto Insurance Companies
Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options. Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price. See All Auto Insurance Companies
FAQs - Oregon Car Insurance
There are many different factors that go into the how expensive your car insurance is. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.
Auto insurance costs will vary between locations and insurance carriers, depending on the county Oregon. Insurify analyzed the latest data for the five most populous cities in Oregon to find you the cheapest quotes in each of these metropolitan areas.
The way to find the carrier with the best auto insurance ratings in Oregon and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.
During the past three years in the United States, national premium costs have risen an average of 4.5 percent annually. In states where quotes have risen, this figure has been 7.8 percent; and in those where rates have fallen, prices have decreased by approximately 6.0 percent. Individual rates by state will of course vary depending on the driver’s history and a multitude of factors.
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Methodology
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.
Content Writer at Insurify
A former licensed insurance producer, Courtney Levin has been a freelance writer since 2016. She graduated from Sonoma State University with a degree in Communications and has been creating content for Insurify for nearly two years.